Charles Schwab Trust Bank
Charles Schwab Trust Bank reported total assets of $10.5 bn at Q2 2026, up 8.7% on a year earlier, the 151st largest of 497 banks in our US coverage. The CET1 capital ratio at Charles Schwab Trust Bank was 79.60%, and the uninsured share of Charles Schwab Trust Bank was 5.38%. Source: FDIC Call Reports.
Key takeaways
- Charles Schwab Trust Bank has one of the highest common equity tier 1 (CET1) ratio readings among banks of $10 bn to $100 bn: 79.60% at , against a median of 12.97% across 126 banks (FDIC Call Reports).
- The noncurrent loans to total loans of Charles Schwab Trust Bank, 0.00% at , places Charles Schwab Trust Bank in the bottom tenth of banks of $10 bn to $100 bn (group median 0.66%; FDIC Call Reports).
- Among the 126 banks of $10 bn to $100 bn, few report a lower loan-to-deposit ratio than Charles Schwab Trust Bank, at 0.00% in ; the group median is 85.69% (FDIC Call Reports).
What sets Charles Schwab Trust Bank apart
- Charles Schwab Trust Bank has one of the highest return on equity (ROE) readings among banks of $10 bn to $100 bn: 27.48% at , against a median of 10.71% across 126 banks.
- The efficiency ratio of Charles Schwab Trust Bank, 25.44% at , places Charles Schwab Trust Bank in the bottom tenth of banks of $10 bn to $100 bn (group median 55.14%).
- Among the 126 banks of $10 bn to $100 bn, few report a lower uninsured share of domestic deposits than Charles Schwab Trust Bank, at 5.38% in ; the group median is 38.56%.
How large is Charles Schwab Trust Bank?
The balance sheet of Charles Schwab Trust Bank at : assets $10.5 bn, deposits $9.7 bn, net loans $0. Securities make up 87.6% of total assets at Charles Schwab Trust Bank. Since , when Charles Schwab Trust Bank held $389.0 mn, its assets grew 2,601.5%. In the year to , deposits at Charles Schwab Trust Bank rose 9.3% while its total assets rose 8.7%. At , Charles Schwab Trust Bank employed 255 full-time equivalent staff across 1 office, about $41.2 mn of assets per employee and $9.7 bn of deposits per office.
How much funding at Charles Schwab Trust Bank is uninsured?
At Charles Schwab Trust Bank, uninsured deposits (above the FDIC limit) made up 5.38% of domestic deposits at (-0.33 pp on a year earlier); Charles Schwab Trust Bank ranks 481st of 500 on this measure. In dollars, Charles Schwab Trust Bank estimated $520.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $9.7 bn | +9.3% | 144th of 499 |
| Net loans and leases | $0 | not available | 499th of 500 |
| Loan-to-deposit ratio | 0.00% | 0.00 pp | 499th of 500 |
| Tier 1 leverage ratio | 10.93% | -1.39 pp | 179th of 500 |
| Total risk-based capital ratio | 79.60% | -6.70 pp | 3rd of 448 |
| Net interest margin | 2.48% | +0.11 pp | 460th of 500 |
| Return on assets (ROA) | 2.05% | +0.11 pp | 42nd of 500 |
| Efficiency ratio | 25.44% | -3.01 pp | 13th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $210.0 mn | Widened by $28.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $123.0 mn | Narrowed by $52.4 mn | |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 50th of 500 (1 = lowest) |
US rank of Charles Schwab Trust Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Charles Schwab Trust Bank: assets, deposits and loans
- Total assets $10.5bn
- Deposits $9.7bn
- Net loans $0
Capital and securities
The CET1 ratio of Charles Schwab Trust Bank stood at 79.60% in , -6.70 pp year on year. Low and high at Charles Schwab Trust Bank since : 42.52% () to 773.11% (). Equity capital of Charles Schwab Trust Bank at : $808.6 mn, or 7.7% of total assets. Charles Schwab Trust Bank also reported a total capital ratio of 79.60% for , and a tier 1 leverage ratio of 10.93%.
On held-to-maturity securities, Charles Schwab Trust Bank carried an unrealized loss of $210.0 mn at , equal to 26.0% of equity capital. The loss widened by $28.4 mn over the year. Its deepest point: $489.0 mn in . The available-for-sale portfolio of Charles Schwab Trust Bank showed an unrealized loss of $123.0 mn at ; the loss narrowed by $52.4 mn over the year.
Charles Schwab Trust Bank: capital ratios
- Total capital 80%
- CET1 80%
- Tier 1 leverage 11%
Charles Schwab Trust Bank: unrealized securities gains and losses
- Available for sale -$123mn
- Held to maturity -$210mn
Profitability and loan quality
For the year to , Charles Schwab Trust Bank earned a return on equity of 27.48%; return on assets: 2.05%. Net interest margin at Charles Schwab Trust Bank: 2.48%, +0.11 pp in a year. Charles Schwab Trust Bank net income: $107.4 mn, up 12.2% year on year. The efficiency ratio of Charles Schwab Trust Bank was 25.44%: about 25 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at Charles Schwab Trust Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Charles Schwab Trust Bank: $0.
Charles Schwab Trust Bank: profitability
- Return on equity 27%
- Net interest margin 2.5%
- Return on assets 2.1%
Peer group of Charles Schwab Trust Bank
The peer group of Charles Schwab Trust Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Charles Schwab Trust Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 2 have head offices in Texas. Against them, Charles Schwab Trust Bank shows CET1 ratio 79.60% against a peer median of 12.82%, return on equity 27.48% against a peer median of 14.25% and uninsured deposit share 5.38% against a peer median of 43.58%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Burke & Herbert Bank & Trust Company | State member bank | VA | $11.0 bn | 13.32% | 8.92% | 35.09% | |
| WEX Bank | State nonmember bank | UT | $10.7 bn | 12.70% | 51.92% | 13.80% | |
| Washington Trust Bank | State nonmember bank | WA | $10.5 bn | 11.91% | 12.78% | 57.30% | |
| Charles Schwab Trust Bank | State member bank | TX | $10.5 bn | 79.60% | 27.48% | 5.38% | |
| Centier Bank | State nonmember bank | IN | $10.4 bn | 12.85% | 15.71% | 38.52% | |
| Stellar Bank | State member bank | TX | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | National bank | TX | $10.4 bn | 13.03% | 16.07% | 48.63% | |
. FDIC Call Reports.
Last eight quarters
Two years at Charles Schwab Trust Bank, to : assets +9.2%, deposits +11.5%, equity -12.0%. Staff 197 to 255.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.6 bn | $10.1 bn | $9.8 bn | $9.7 bn | $9.7 bn | $10.4 bn | $10.4 bn | $10.5 bn |
| Total deposits | $8.7 bn | $9.3 bn | $9.0 bn | $8.9 bn | $8.9 bn | $9.6 bn | $9.6 bn | $9.7 bn |
| Bank equity capital | $919.3 mn | $778.6 mn | $791.5 mn | $783.6 mn | $752.4 mn | $765.8 mn | $769.4 mn | $808.6 mn |
| CET1 ratio | 98.11% | 89.77% | 86.92% | 86.30% | 82.80% | 85.96% | 79.59% | 79.60% |
| Return on equity (ROE) | 21.47% | 22.48% | 24.20% | 24.40% | 24.94% | 25.27% | 27.66% | 27.48% |
| Uninsured share of domestic deposits | 6.08% | 5.21% | 5.55% | 5.71% | 5.24% | 5.30% | 5.26% | 5.38% |
| Full-time equivalent employees | 197 | 239 | 237 | 244 | 250 | 257 | 253 | 255 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Charles Schwab Trust Bank
- Total assets at Charles Schwab Trust Bank changed by +146.3% in the quarter to 2019-03-31: New institution (established 2018-07-02); balance sheet still ramping up.
- Total assets at Charles Schwab Trust Bank changed by +486.7% in the quarter to 2019-09-30: New institution (established 2018-07-02); balance sheet still ramping up.
- Total assets at Charles Schwab Trust Bank changed by +77.0% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Charles Schwab Trust Bank?
Charles Schwab Trust Bank reported $10.5 bn at in its Call Report. That makes Charles Schwab Trust Bank the 151st largest of 497 banks in our US coverage.
Is Charles Schwab Trust Bank the same as its holding company?
No. This page covers Charles Schwab Trust Bank, FDIC certificate 59108; CHARLES SCHWAB CORP THE (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Charles Schwab Trust Bank profitable?
Charles Schwab Trust Bank reported net income of $107.4 mn for the year to ; annualized return on equity: 27.48%. So yes: Charles Schwab Trust Bank made a profit over these months.
When is data for Charles Schwab Trust Bank next updated?
Figures from Charles Schwab Trust Bank for are due after .
Where can I check the figures for Charles Schwab Trust Bank?
In the FDIC BankFind Suite record for certificate 59108, and in the Call Reports of Charles Schwab Trust Bank (RSSD ID 5278251) at the FFIEC Central Data Repository.